App Spree / CLI Questions
10-04-2012 07:12 PM
Hi again, all!
Have a few questions regarding app spree's:
* Is there a preferred order to work though when doing spree's?
* Should I try and process CLI's on the same day?
* What about asking for new line's from companies you already have CC's with? Is this reccommended or discouraged? Before or after the CLI request?
I checked around and did not see an App Spree FAQ post (although my search button-fu could be failing me).
Thanks!
Re: App Spree / CLI Questions
10-05-2012 08:19 AM
Hi,
My opinions inline...
* Is there a preferred order to work though when doing spree's? - Yes, there is. It depends on the cards you want. Always good to start from Most Valued (hard to get) cards to less valued (or) easy to obtain cards.
* Should I try and process CLI's on the same day? - Yes, it's better to process it on same day...once you done apping for your new cards.
*What about asking for new line's from companies you already have CC's with? Is this reccommended or discouraged? Before or after the CLI request? - Tricky question. I would app for new line. And, I will wait for few months to ask for CLI on the existing acc.
Good luck!
Syed
Current Score: 639 (EQ FICO 09/07/12), 703 (Credit Sesame 09/12), 648 (EQ FAKO 09/06/12), 680 (CK 09/07/12)
Goal Score: 750+ across the board
DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 1K | Cap One Plat - 750 | Cap One CR - 500 | Amazon Store - 800 | Wally - 500 | Kohls - 300 | Macys - 200
Take the FICO Fitness Challenge
Re: App Spree / CLI Questions
10-06-2012 09:13 PM
If that's not the case, is there any particular reason to do an app spree?
Re: App Spree / CLI Questions
10-06-2012 09:18 PM
Inq's show up, it's the accounts that don't show up right away. Well sometimes they do but in my case Discover,Citi,Chase took a few days to start reporting so my AAOA hadn't taken that hit yet.
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
Re: App Spree / CLI Questions
10-06-2012 09:23 PM
the incentive for app spree is that the inq all fall off or stop effecting your score the same day.
| Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012 | Freedom Signature Costco:True Earnings | Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000 |
